In this ever-changing world, businesses now face more natural and man-made disasters than before, complicating the management of their risk and insurance programs. Hurricanes, tornadoes, fires, unauthorized access/intruders in our physical space and electronic data systems, terrorism, government shutdown.

"Cyber Risk" consists of the exposures faced by businesses arising out of their use of the internet and computer network technology. This includes such events as hacking, virus transmission, privacy breach, and intellectual property breaches.

What will you do when disaster strikes your business? Everyone expects life to return to normal, but for many business owners, the reality is much more devastating. According to the U.S. Department of Labor, it is estimated that over 40% of businesses never reopen following a catastrophic event. Of those that remain, approximately 25% will close within 2 years.